Atlanta, GA · Cert 58315
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.43% | -1.20% | -1.69% | -1.86% | -4.50% | 0.54%1 | -24.30% | -16.42% | -1,456 bps | |
| Return on Equity | -7.90% | -9.50% | -15.04% | -17.41% | -44.40% | 5.33% | -327% | -662% | -64,413 bps | |
| Net Interest Margin | 4.19% | 2.50% | 1.91% | 2.04% | 1.54% | 2.07% | 1.14% | 0.67% | -137 bps | |
| Efficiency Ratio | 64.75% | 94.35% | 117.48% | 88.65% | 124.88% | 85.33% | 181.70% | 373% | +28,402 bps | |
| Non-Interest Burden | 2.70% | 2.36% | 2.25% | 1.80% | 1.94% | 1.76% | 2.18% | 2.85% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 521% | 452% | 214% | 130.32% | 45.59% | 25.72% | 19.84% | 18.91% | -11,140 bps | |
| Loan Growth (YoY) | 2043% | 600% | 277% | 147.19% | 45.83% | 32.65% | 16.99% | -2.92% | -15,012 bps | |
| Deposit Growth (YoY) | 7675% | 1363% | 336% | 174.41% | 52.82% | 27.33% | 28.97% | 31.80% | -14,262 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 2.39% | 0.00% | 0.00% | 7.47% | 42.72% | +4,033 bps | |
| Allowance / Loans | 1.22% | 1.45% | 1.67% | 1.53% | 2.59% | 2.53% | 7.49% | 2.46% | +94 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.15% | 13.78% | 13.05% | 11.71% | 12.12% | 13.02% | 6.82% | 0.83% | -1,087 bps | |
| Equity / Assets | 14.30% | 11.37% | 11.15% | 10.19% | 10.08% | 10.29% | 4.55% | 0.52% | -967 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.87% | 91.78% | 98.34% | 98.55% | 97.21% | 95.61% | 89.20% | 72.59% | -2,596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 8.38% | +838 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |